What health insurance costs without a subsidy in Pinal County, Arizona (2026)

In Pinal County, Arizona, the benchmark silver plan costs $501.43/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $352.70 to $942.44. A 60-year-old pays at least $749.00/month, a 21-year-old at least $275.99. 6 insurers offer 78 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Pinal County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0

Cost by age (2026, before subsidy)

Age 21 — starting at $275.99/mo
Age 40 — starting at $352.70/mo
Age 60 — starting at $749.00/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $439.99/mo
Silver — starting at $498.84/mo
Gold — starting at $591.25/mo

Deductibles & out-of-pocket (2026)

Deductibles range from $0 to $10,600
Highest out-of-pocket maximum on file: $10,600

Who sells plans here

Ambetter from Arizona Complete Health, Antidote Health Plan of Arizona, Inc., Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc., Oscar Health Plan, Inc., UnitedHealthcare

The subsidy cliff

In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

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Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Pinal County (FIPS 04021).
HealthCare.gov (opens in new tab) — the authoritative marketplace for enrollment and exact quoted pricing.
Methodology — how we source, interpret, and label these figures.

Related counties in Arizona

Apache County — $1048.46/mo benchmark
Yuma County — $923.58/mo benchmark
La Paz County — $921.26/mo benchmark
Mohave County — $900.56/mo benchmark
Yavapai County — $874.73/mo benchmark

All Arizona counties →

Plans available in this county (78)

UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $439.99/mo @ 40
Catastrophic Standard — Catastrophic · $352.70/mo @ 40
Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $401.31/mo @ 40
Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $411.99/mo @ 40
Imperial Standard Bronze — Expanded Bronze · $429.73/mo @ 40
Bronze Simple — Expanded Bronze · $431.01/mo @ 40
Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $435.91/mo @ 40
Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $446.58/mo @ 40
Bronze Standard — Expanded Bronze · $447.57/mo @ 40
Bronze Classic Standard — Expanded Bronze · $452.05/mo @ 40
Buena Salud Bronce Simple Para Diabetes — Expanded Bronze · $459.70/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $461.00/mo @ 40
UHC Bronze Standard — Expanded Bronze · $463.21/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $468.61/mo @ 40
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $481.87/mo @ 40
Bronze Elite + PCP Saver Plus — Expanded Bronze · $484.26/mo @ 40
Everyday Bronze — Expanded Bronze · $486.81/mo @ 40
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $487.63/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $488.85/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $499.56/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $501.65/mo @ 40
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $506.30/mo @ 40
Choice Bronze HSA — Expanded Bronze · $528.54/mo @ 40
Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $542.38/mo @ 40
AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) — Expanded Bronze · $567.94/mo @ 40
AZ Blue StandardHealth Bronze Focus — Expanded Bronze · $605.69/mo @ 40
AZ Blue Portfolio Bronze HSA Focus — Expanded Bronze · $676.84/mo @ 40
Imperial Standard Gold — Gold · $591.25/mo @ 40
Imperial Preferred Gold — Gold · $599.13/mo @ 40
Gold Simple — Gold · $600.99/mo @ 40
Gold Classic Standard — Gold · $605.01/mo @ 40
Gold Simple Diabetes — Gold · $608.11/mo @ 40
Gold Classic — Gold · $613.33/mo @ 40
Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold · $634.48/mo @ 40
Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold · $645.16/mo @ 40
Standard Gold — Gold · $646.91/mo @ 40
Standard Gold + Vision + Adult Dental — Gold · $663.84/mo @ 40
UHC Gold Standard — Gold · $674.44/mo @ 40
Complete Gold — Gold · $674.65/mo @ 40
Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold · $679.49/mo @ 40

Showing first 40 of 78 plans on file. Every remaining plan is listed below.

All other plans in Pinal County

UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
Complete Gold + Vision + Adult Dental — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) — Gold
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
Gold Standard — Gold
Elite Gold — Gold
Elite Gold + Vision + Adult Dental — Gold
AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) — Gold
AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) — Gold
AZ Blue StandardHealth Gold Focus — Gold
Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
Imperial Standard Silver — Silver
Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
Imperial Preferred Silver — Silver
Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
Silver Simple PCP Saver — Silver
Silver Classic Standard — Silver
Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
Silver Simple Diabetes — Silver
Silver Simple Chronic Care CKM — Silver
Silver Simple Specialist Saver with COPD — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
UHC Silver Standard — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Silver
Silver Standard — Silver
AZ Blue ACA StandardHealth Silver with Health Choice — Silver
Silver Elite Saver Plus — Silver
Standard Silver — Silver
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Silver
Complete Silver — Silver
Standard Silver + Vision + Adult Dental — Silver
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Silver
Complete Silver + Vision + Adult Dental — Silver
AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) — Silver
AZ Blue StandardHealth Silver Focus — Silver
AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit) — Silver

Reviewed by Jason Burns, Editorial Steward.

Reviewed by Heather Fabrizio, licensed in Arizona (License #20983651) · reviewed Jul 28, 2026